PFS Bancorp, Inc.

PFS Bancorp, Inc. is a savings and loan holding company that operates primarily through its wholly owned subsidiary, Peru Federal Savings Bank. PFS Bancorp was incorporated in February 2023 and completed its conversion to a stock form of organization on October 17, 2023, selling 1,725,000 shares of common stock at $10.00 per share. The Company is regulated by the Federal Reserve Board. Peru Federal Savings Bank, a federally-chartered savings bank, is headquartered in Peru, Illinois, and conducts its operations from its main office and one branch office, both located in Peru, Illinois. Its primary business involves accepting deposits from the general public and investing these funds, along with operational earnings, into one- to four-family residential mortgage loans secured by properties in its primary market area. To a lesser extent, Peru Federal also originates commercial real estate loans, multi-family mortgage loans, construction and land development loans, commercial loans, home equity loans and lines of credit, and consumer loans. The bank also provides electronic banking services, including mobile banking, online banking and bill pay, and electronic funds transfer via Zelle®. As of December 31, 2025, PFS Bancorp had total consolidated assets of $207.0 million, loans of $108.9 million, deposits of $166.5 million, and stockholders' equity of $39.0 million. The Company's principal office is located at 1730 Fourth Street, Peru, Illinois 61354.